Tuesday, May 29, 2007

Is Mortgage life insurance A good deal?

Mortgage insurance is better than no insurance at all. It is a decreasing policy that makes the mortgage company the beneficiary not your loved ones. As you pay down your mortgage the coverage amounts decrease with it. Your payment doesn’t go down it stays level. So the longer you keep the mortgage insurance the worst the deal is. Also the payment is included into your mortgage payment.

You should consider meeting with an agent. Go over all of your needs not just your mortgage needs. Look at what solutions you may have in place already. You want to make sure your solutions match your needs. There is nothing worst then leaving this world and your loved ones are left behind with all the debt and not enough money to pay for all their needs.

I believe that you have a responsibility to think through these issues and make a conscious, deliberate decision regarding whether you want to protect your family, rather then leaving this decision to chance and good luck.

I know that you do not expect to die in the near future, but then again, nobody does. But every year, millions of people do. Many of those people leave families behind unprepared, without means to survive on. For those families, life becomes a nightmare.

Working hard to serve you better:

Szeszulski Agency....
Jerry Szeszulski

(Shoe- Shell-Ski)
wk 918-254-2578 x227
Cell 918-808-6656

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com


Its peak season for tornados! Are you prepared?

 

 

 

Even if you live outside "Tornado Alley," the area of the country that runs north from Texas through eastern Nebraska and northeast to Indiana, the rest of the country also gets its share of twisters. No matter where you live, the key to protecting your family and your home from disaster is preparation. Your chances of staying safe during a tornado are greater especially if you have a plan for you and your family, and practice the plan frequently.

What to Do During a Tornado

If you are under a tornado WARNING, seek shelter immediately!

If you are in:

Then:

A structure (e.g. residence, small building, school, nursing home, hospital, factory, shopping center, high-rise building)

Go to a pre-designated shelter area such as a safe room, basement, storm cellar, or the lowest building level. If there is no basement, go to the center of an interior room on the lowest level (closet, interior hallway) away from corners, windows, doors, and outside walls. Put as many walls as possible between you and the outside. Get under a sturdy table and use your arms to protect your head and neck. Do not open windows.

A vehicle, trailer, or mobile home

Get out immediately and go to the lowest floor of a sturdy, nearby building or a storm shelter. Mobile homes, even if tied down, offer little protection from tornadoes.

The outside with no shelter

Lie flat in a nearby ditch or depression and cover your head with your hands. Be aware of the potential for flooding.

Do not get under an overpass or bridge. You are safer in a low, flat location.

Never try to outrun a tornado in urban or congested areas in a car or truck. Instead, leave the vehicle immediately for safe shelter.

Watch out for flying debris. Flying debris from tornadoes causes most fatalities and injuries

Understand Disaster Events

  • Everyone who sees or experiences a disaster is affected by it in some way.
  • It is normal to feel anxious about your own safety and that of your family and close friends.
  • Profound sadness, grief, and anger are normal reactions to an abnormal event.
  • Acknowledging your feelings helps you recover.
  • Focusing on your strengths and abilities helps you heal.
  • Accepting help from community programs and resources is healthy.
  • Everyone has different needs and different ways of coping.
  • It is common to want to strike back at people who have caused great pain.

Children and older adults are of special concern in the aftermath of disasters. Even individuals who experience a disaster “second hand” through exposure to extensive media coverage can be affected.

Contact local faith-based organizations, voluntary agencies, or professional counselors for counseling. Additionally, FEMA and state and local governments of the affected area may provide crisis counseling assistance.

Recognize Signs of Disaster Related Stress

When adults have the following signs, they might need crisis counseling or stress management assistance:

  • Difficulty communicating thoughts.
  • Difficulty sleeping.
  • Difficulty maintaining balance in their lives.
  • Low threshold of frustration.
  • Increased use of drugs/alcohol.
  • Limited attention span.
  • Poor work performance.
  • Headaches/stomach problems.
  • Tunnel vision/muffled hearing.
  • Colds or flu-like symptoms.
  • Disorientation or confusion.
  • Difficulty concentrating.
  • Reluctance to leave home.
  • Depression, sadness.
  • Feelings of hopelessness.
  • Mood-swings and easy bouts of crying.
  • Overwhelming guilt and self-doubt.
  • Fear of crowds, strangers, or being alone.

Easing Disaster-Related Stress

The following are ways to ease disaster-related stress:

  • Talk with someone about your feelings - anger, sorrow, and other emotions - even though it may be difficult.
  • Seek help from professional counselors who deal with post-disaster stress.
  • Do not hold yourself responsible for the disastrous event or be frustrated because you feel you cannot help directly in the rescue work.
  • Take steps to promote your own physical and emotional healing by healthy eating, rest, exercise, relaxation, and meditation.
  • Maintain a normal family and daily routine, limiting demanding responsibilities on yourself and your family.
  • Spend time with family and friends.
  • Participate in memorials.
  • Use existing support groups of family, friends, and religious institutions.
  • Ensure you are ready for future events by restocking your disaster supplies kits and updating your family disaster plan. Doing these positive actions can be comforting.

 

 

 

Working hard to serve you better:

Szeszulski Agency....
Jerry Szeszulski

(Shoe- Shell-Ski)
wk 918-254-2578 x227
Cell 918-808-6656

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

Protect Your Home from Hail Damage

 

 

 

Hail can occur in any strong thunderstorm, which means hail is a threat everywhere. When it hits, it can shred roof coverings and lead to water damage to your ceilings, walls, floors, appliances and personal possessions. Knowing which roof coverings resist impact well can save you lots of trouble and money.

First Things First

  • Most roofing jobs are not for the do-it-yourselfer. Unless you have lots of experience in replacing roof coverings, hire a professional roofing contractor to handle this job.
  • Before you reroof, check with your local building officials to be sure what you're doing complies with local building codes.

When You Replace Your Roof Covering

  • If you are replacing your old, worn out roof covering with new asphalt shingles, make sure they have a Class 4 rating under Underwriters Laboratories' (UL) 2218 standard. A Class 4 rating tells you a sample of the product did not crack when hit twice in the same area by a two-inch steel ball.
  • The UL 2218 standard is a useful method for testing impact resistance, but it isn't perfect and works better for some roof coverings than for others. The UL standard measures whether a product cracks under impact. Some roof coverings, particularly some made of metal, may resist cracking, but can be dented and dimple. So, while they test well, they may perform poorly in practice. Keep this in mind when using the UL standard to gauge the quality of a roof covering.

When A Hailstorm Strikes

  • If you are indoors when a storm with large hailstones strikes, stay there. Because large pieces of hail can shatter windows, close your drapes, blinds or window shades to prevent the wind from blowing broken glass inside. Stay away from skylights and doors.
  • If you are outside, move immediately to a place of shelter.

Finally, review your homeowners insurance policy periodically with your insurance agent or company representative to make sure you have sufficient coverage to protect the investment you've made in your home. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage.

For information about filing an insurance claim after a natural disaster, contact your insurance agent or insurance company.

Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

 

 

Working hard to serve you better:

Szeszulski Agency....
Jerry Szeszulski

(Shoe- Shell-Ski)
wk 918-254-2578 x227
Cell 918-808-6656

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

FW: Is it better to buy auto and home insurance over the phone, through the mail or off your personal computer?

 

 

 

Because you want the best value for your money, in some circumstances it may make sense to purchase an item over the phone, through the mail, or on your personal computer. But, not always!

Without the right insurance protection, you and your family might not be able to pay for necessary medical treatments, car repairs, legal fees, and other costs that come with being involved in an accident whether you're at fault or not!

What you want is an agent that will meet with you personally to help you make sure your family's insurance protection has the right features for you, so that you're protected when you need it most!

Better Value Means Money Saving Features

Automatic Rental Car Coverage
We decided our customers need rental car coverage automatically included in their policy at no extra charge. Most companies charge for this feature.

One Deductible for Multiple Losses
If you insure your auto and home with ANPAC®, our Common Cause of Loss Deductible allows you to pay one deductible even if more than one item is damaged or destroyed by a single event.

Collision Waiver
If you should be involved in an accident with another car insured by ANPAC®, all or a portion of your collision deductible may be automatically waived.

Other valuable, innovative features:

  • Good student discounts
  • Passive restraint discounts
  • Ticket-Free discounts
  • Special rates for drivers age 45 and over
  • No deductible for windshield repair

Superior Service Means Better Value

  • ANPAC® is proud to be named as a Ward's 50 Benchmark Company for achieving outstanding financial results in the areas of safety, consistency, and performance.
  • Our innovative CA$HBACK from ANPAC® pays you 25% of your combined auto and homeowners premiums if you remain claim free for three years from your CA$HBACK anniversary date.

    CA$HBACK participants are also eligible for "Guaranteed Renewal", renewal on auto and home policies, according to terms and conditions. Ask your American National agent for more information about this added benefit.
  • TLC (Tri-Line Coverage) Discount - Choose American National for your auto, home, and life insurance and you'll receive a special discount on qualifying auto and home premiums. It's our way of rewarding customers who trust American National with all three insurance needs.
  • Fast, Efficient Claim Service - Report claims toll-free at 1-800-333-2860, 24-hours a day, 7 days a week. Nine out of ten customers tell us based on our claims service, they would recommend ANPAC® to someone they know.

AUTOSURE from ANPAC® Offers a Full Line of Coverage’s

  • Liability - Pays for damages due to bodily injury and/or property damage from a covered loss for which an insured is legally liable. This coverage includes defending you in a lawsuit, bail bond expense, attorney fees, and medical first aid at the accident scene.
  • Medical Payments - Pays for reasonable and necessary medical expenses arising out of an accident up to the limit purchased per person.
  • Personal Injury Protection - Pays for reasonable and necessary medical and lost wages arising out of a covered accident up to the limit purchased per person.
  • Comprehensive - Pays for loss or damage to your insured car by a covered loss other than a collision or upset. This includes but is not limited to: theft, fire, missiles, falling objects, larceny, explosion, windstorm, hail, water, vandalism or malicious mischief, riot, impact with animals, and glass breakage.
  • Collision - Pays for damage to your insured car resulting from a collision or upset.
  • Towing and Labor - Pays towing and labor costs incurred each time your insured car is disabled. Labor costs at the place of disablement are covered.
  • Rental Reimbursement - Pays up to $25 per day rental expense while your car is being repaired due to a covered loss for up to 30 days. Higher limits are available.
  • If the loss occurs more than 50 miles from home, extra expenses incurred for meals, lodging, and transportation fares to return to your home or your destination are covered.
  • Uninsured Motorist - Pays for damages for bodily injury to an insured person caused by a motor vehicle driven by a legally liable, but uninsured or unknown (hit and run) driver.
  • Underinsured Motor Vehicle - This coverage applies when your bodily injury is caused by an underinsured motor vehicle, as defined in the policy.
  • Accidental Death, Dismemberment, Disability - Pays up to a specified amount for death, loss of limbs, loss of sight and certain other injuries to designated person(s) resulting from a car accident.
  • Work Loss Coverage - Pays designated person(s) up to 85% of earnings lost because of auto accident injuries subject to certain maximum limits shown in the policy.
  • ACE, Added Coverage Endorsement - Pays for Original Equipment Manufacturer (OEM) parts, when replacement parts are required, due to a covered accident. Plus, for insured vehicles less than one year old, or with less than 15,000 miles, which are involved in a covered loss, the vehicle will be declared a total loss at only 25% damage, and pays the lesser of either the original purchase price or the replacement cost of a comparable vehicle.
  • GAP, Guaranteed Asset Protection Endorsement- Pays the difference between the loan balance (excluding incidental amounts rolled into the loan, which are not directly related to the base purchase price of the vehicle, such as additional warranties) and the actual cash value of the car, when the vehicle is declared a total loss as the result of a covered accident.

 

 

Working hard to serve you better:

Szeszulski Agency....
Jerry Szeszulski

(Shoe- Shell-Ski)
wk 918-254-2578 x227
Cell 918-808-6656

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

Friday, May 25, 2007

FW: Additional Child proofing Tips...

More tips

 


From: Jerry Szeszulski
Sent: Monday, May 21, 2007 5:40 PM
To: Sarah Sheridan
Subject: Additional Child proofing Tips...

 

On thing you must do! Be prepared with permission forms.  If you were to talk to any emergency-room nurse you would fine. Unless the situation is life or limb threatening, emergency rooms cannot treat a child without permission from the parents!!!  To prevent needless suffering on your child’s part, sign an emergency treatment authorization letter and have it notarized, (We would be happy to notarize it for you.) Giving the hospital permission to treat the child, it is something that every parent should do. The form should stay with the child in a zip-locked plastic bag in the diaper bag or, if your child is school age, in his or her backpack. Make multiple copies and give them to grandparents, and give them to the next-door neighbors, car provider—any possible caregiver in the child’s life.

  1. At Children’s parties, use Mylar balloons—not latex balloons—to prevent children from choking.
  2. Remove plastic bags from dry cleaning immediately: keep them completely out of children’s reach.  Even a tiny p8iece of plastic can choke a child.
  3. Do not allow your child to play in kitchen cabinets.  By establishing a cabinet as a play space, you are teaching the child all cabinets are play spaces.  Instead, keep a basket or box of toys in the kitchen for the toddler to play with.
  4. Keep all chemical, alcohol, cleaning supplies, medicines, and guns locked up and inaccessible.
  5. Do not store cleaning supplies in a cabinet underneath the kitchen sink, even if it’s locked.  While getting into it, you may be diverted by the telephone, or a good Oprah show or a neighbor coming by. It only takes a second for a child to discover those colorful labels and want to explore the contents of the containers.
  6. If you must display potpourri, put it in a nylon stocking so baby cannot get into the tiny petals and piece.
  7. Install a full-length bath mat and a spout guard in the bathtub.

 

 

 

 

Working hard to serve you better:

Szeszulski Agency....
Jerry Szeszulski

(Shoe- Shell-Ski)
wk 918-254-2578 x227
Cell 918-808-6656

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

FW: Childproofing your home

Darryl here you go!!

 


From: Jerry Szeszulski
Sent: Monday, May 21, 2007 1:00 PM
To: Sarah Sheridan
Subject: Childproofing your home

 

Many parents don’t even think about baby proofing the house until their wee one starts toddling around.  That is not the time to begin.  Because you’re in crisis mode, removing one dangerous object after another.  The time to begin baby proofing is in the second trimester of pregnancy, when you have the time to reflect on how this change in your life is going to affect your house. Preventive measures are essential according to the National Safe Kids Campaign, each year more children die from preventable injures than from all childhood diseases combined.  No one regrets that things they did to protect their children---only the things they wish they had done.

 

  1. Survey your house from a crawler’s perspective.  Get down on all fours to locate potential hazards—any objects that might be put in a child’s mouth, as well as sharp corners, exposed electrical outlets, swinging lamp cords, unlatched closet and cabinet doors, wobbly tables, over loaded bookcases, poisonous plants, ect.
  2. Lock all cabinets and drawers from the countertop down.  Lock oven and dishwasher doors as well.  This prevents the kids from accessing these areas, smashing their fingers, and using the drawers as steps to gain access to all the good stuff on the top of the counter.
  3. Install permanent gates at the top and bottom of stairs.  Never use pressure gates, except between rooms.  The weight of even a small child can easily push through a pressure gate.
  4. Cover electrical outlets with rotating style outlet covers.  For appliances you don’t want unplugged, such as your computer or stereo system, use a rectangular box that fits over the outlet, denying access.  For above countertops, look for a cover that screws into the outlet so it can’t be removed.
  5. Select night lights with child-safe features.  For example, First Alert® Decorator night lights have completely enclosed light bulbs and safety tabs that help prevent children from removing the night lights from the outlets.
  6. To help prevent scalding, install anti-scald faucets and set the temperature of your water heater at 120º. It takes 2 to 3 minutes to get a second-degree burn at that temperature.  Many people have their water temperature wet at 140º —a temperature at which it only takes 2 seconds to get a serious burn.
  7. Lock all toilets to prevent drowning.  Toilets locks are widely available. ( it also helps your husband keep the lid down)
  8. Above all, remember that nothing takes the place of close adult supervision.

 

 

 

Working hard to serve you better:

Szeszulski Agency....
Jerry Szeszulski

(Shoe- Shell-Ski)
wk 918-254-2578 x227
Cell 918-808-6656

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate  News/Talk 740 KRMG from 12:30 - 1:00 and KFAQ from 7:00-8:00 on Saturday in Tulsa, Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry@TulsaHomeAuto.com

 

Thursday, May 10, 2007

Home Safety Tips

 

The Szeszulski Agency believes it is important to be prepared for every situation, which is why we stress the importance of being properly covered. To give a little extra guidance, we want to provide you with some home safety tips.

 

 

Fire Safety

 

With a little more time, advanced planning, and some common sense, you can prevent many situations that lead to house fires.

 

Fireplace Safety

            An easy way to prevent a fire is to keep a screen in front of the fireplace. Place nonflammable flooring, such as rock, in front if it. It is important to have the chimney inspected once a year and cleaned. The best wood to burn is dry, seasoned hard wood. Also, do not place furniture to close too the fire place.

 

Furnace Safety

            You should have your furnace serviced once a year. Change the filter monthly during heating season. If you have an older furnace, consider buying a carbon monoxide detector.  

 

Hot Water Heater

            You should have your hot water heater checked occasionally by a reliable technician. Look for leaks or black carbon build-up in the burner.

 

Electrical Wiring

            If you have recently purchased a home older than 15 years, the wiring system may not be able to handle the requirements of the typical electronic equipment found in today’s households. Homeowners with multiple computers, printers, televisions, VCR and/or DVD players, etc., need to have the wiring load capacity evaluated by a reliable technician.

            If you plan to install window air conditioners in an older home, be aware that they require 220 wiring. If there isn’t such a plug near the location you plan to use, have on installed by a qualified electrician. The same goes for clothes dryers and electric rangers. Do not try to boost the power of the outlets by using oversized fuses in the fuse box. That is one sure way to cause a fire. Likewise, do not use a copper penny instead of a fuse.

            Keep an eye on older wiring. Over time, it can become soft, eventually cracking, and cause connections to loosen or break. If you know a house has had rodents in the past, check the wiring for chewed places.

 

 

Circuits

            Make sure the number of circuits your home has is adequate to the electrical demands of the household. If not adequate, you should have more installed by a qualified electrician.       

 

Flammable fluids, aerosols, and substances with harmful vapors

 

            Store away from heat sources, pilot lights, and hot light bulbs, in a place where temperature is consistently moderate. If you are indoors using a substance that emits harmful vapors, such as epoxies, spray paint, or sealers, be sure to open the windows and the doors. If you begin to feel faint, short of breath, or dizzy, GET OUT IMMEDIATELY.

 

Smoking

 

 

 

Firefighting experts say that many house fires are caused by carelessness with lighted cigarettes. Smokers must realize that even though a burning cigarette is removed from sofa cushions after being accidentally dropped, the ash or burned fabric can smolder for hours afterwards. It is vitally important to pull the cushions off the sofa to check for such circumstances.

            The following precautions will avert disasters with smoking materials:

 

 

  1. Never smoke near flammable liquids or aerosols. It is the fumes from such liquids that ignite, not the fluids themselves. There is no such thing as smoking cautiously while filling the lawn mower with gasoline or spray painting a frame.
  2. Never ever smoke in bed. Sleep may overpower you in spite of the late- night movie you are watching. Bedclothes and mattresses emit masses of smoke that will kill you before the flames ever catch. Instead, sit upright in a chair next to an ashtray.
  3. Do not empty ashtrays into trash. It is important to make sure all ashes are cold before emptying the contents into a trash can.

 

 

In the Kitchen

 

1.      Clothing. When cooking, wear clothes that will minimize the chance of catching fire. Fuzzy sweaters, like angora, will catch and burn much more quickly than a smooth fabric without even actually touching the burner. In additions to the fire hazard, dropping or flowing sleeves can catch pan handles. Proper clothing is especially important when allowing little or aged hands to help in the kitchen.

2.      Grease fires. The idea is to cut off oxygen. Extinguish with BAKING SODA to smother the flames. DO NOT use flour, salt, or baking powder. Not only will they burn, but they also could explode. NEVER throw water on a grease fire. It scatters the oil, thus spreading the fire. If the contents of the pan are on fire, quickly slide on a tight-fitting lid. Turn the burner off.

3.      If food starts to flame in the oven, turn it off immediately, but DON”T open the door. There isn’t much air inside an oven, so the fire will burn itself out quickly.

4.      Fire Extinguishers. It is wise to keep a fire extinguisher in the kitchen. Extinguishers are rated with letters (ABC) to tell the user what kind of fire it is effective on. For that reason, fires are divided into three basic classics, depending on the source of the fire.

 

Class A- ordinary combustibles such as wood, cloth, paper, rubber, and many kinds of plastic.

Class B- flammable liquids such as gasoline, oil, grease, tar, oil based paint, and lacquer.

Class C- energized electrical equipment, including wiring, fuse box, circuit breakers, machinery, and appliances.

 

5.      All extinguishers are labeled using standard symbols for the classes of fires they are effective against. A red slash through any of the letters means that the extinguisher can’t be used on that class of fire.

6.      For general house hold purposes, such as for placement in the kitchen, an extinguisher labeled ABC is fine.

7.      The rating for size is expressed as a number from 1 to 40 for Class A fires, and from 1 to 640 for Class B fires. The larger the number, the larger the fire the extinguisher can put out. However, the higher the rating, the heavier the extinguisher gets. Make sure you can manage to hold and operate it properly before buying.

 

 

Prepare for a fire. You and the other responsible people in the house who will be using the extinguisher need to read the instruction manual. You won’t have the time after the fire starts!

 

Installation. Place your extinguisher in plain view, where you can get to it easily, but out of the reach of children. Preferably, it should be near an escape route, away from stoves and heating appliances. Your local fire department can suggest the best locations.

 

 

It is important to be prepared for hazardous events that could occur at your home. With these simple suggestions from the Szeszulski Agency, you can greatly increase the safety of your family and home.